Either a local SMTP server (less used) or an external service (more common). The SMTP is configurable but I believe most used option is ssl smtp over port 587.

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nominative determinism

Only issue is I have had my phone stolen once and dropped into a drain once by a drunk friend. So for me backup of photos is critical (with apple I have never lost photos even after this happened). My photo library is currently 205GB and the other phones in my family are 249gb of data.

So I have the 2tb icloud plan and the apple one plan so it is all shared (currently using 463gb/2.2TB) among my family. 4 people use these 2 subscriptions.

How am I supposed to get a service that auto backs up my photos daily for me, and for 3 other phones unless I use apples offering?

Genuine question. I have not been able to answer this question for over 3 years now. Other services I tried like amazon photo backup expected me to open the app to make photo backups. Makes the service pointless imho.

Necromancers hate him! Healer discovers this one weird trick that delays the inevitable.

The password manager for iphone or ios has mfa built in - seems to work ok. Its a bit annoying if you use a desktop thats not mac though and have to search for the mfa code among the millions of passwords.